Anthem Value Plus Vs. AARP United Health

[Newby]

"In this case, it simply means that she has no breaks in coverage, can't be turned down, a slam dunk case."

Wrong! It means you are putting someone that you've said was in good health in a plan intended for declined people. You would have her paying way too much if you do that. You make sure she has no breaks in coverage by co-ordinating the effective dates.

"Also, this is Medigap coverage, not A or B or f or anything else. Medigap covers excess charges on Medicare A and B, and other things like international health."

Wrong. Medigap plans ARE standardized with plan A through L. They are ALL the SAME.

From your answers I assume you are brand new and don't know any better. There is no crime in that. BUT, you should listen to people who try to help you. You can cause damage to the people you try to "slam dunk" when you mess with their Medicare coverage and you are not familiar with the most basic facts yet.

 

[newglarusman]

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Whoa, buddy... you are disclosing that you know very little about either the Medicare basics and /or Medigaps. There is a difference between PART A of Medicare and PLAN A (or F )Medicare Supplements. And international health? What are you talking about? Coverage when traveling out of the country? You need to go back to school....

The reply by Newby was meant to help you and you bit the hand trying to offer advice... you need to check your attitude if you want any more help on this forum.

Anthem offers international travel insurance with their Medigap coverage for a small extra fee, which is typical, so I don't know why you're surprised.
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"In this case, it simply means that she has no breaks in coverage, can't be turned down, a slam dunk case."

Wrong! It means you are putting someone that you've said was in good health in a plan intended for declined people. You would have her paying way too much if you do that. You make sure she has no breaks in coverage by co-ordinating the effective dates.

"Also, this is Medigap coverage, not A or B or f or anything else. Medigap covers excess charges on Medicare A and B, and other things like international health."

Wrong. Medigap plans ARE standardized with plan A through L. They are ALL the SAME.

From your answers I assume you are brand new and don't know any better. There is no crime in that. BUT, you should listen to people who try to help you. You can cause damage to the people you try to "slam dunk" when you mess with their Medicare coverage and you are not familiar with the most basic facts yet.

You are engaged in selective quoting and distortion, which would concern me if I were your client. I said service, meaning customer service is not standardized, not benefits. Since you don't know that, it means you did not read and/or understand my post before you wrote your reply, which is ignorant.

 

[retread]

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Anthem offers international travel insurance with their Medigap coverage for a small extra fee, which is typical, so I don't know why you're surprised.

This is the final straw! You don't know what you don't know. Your arrogance is not helping you to learn.

1) You are attempting to have us judge between two Med Sups and you do not provide us which plan for which carrier is under consideration. Carriers do not always carry all plans, and in order to compare one to the other one has to compare the same plan. You apparently don't know the difference between Medicare Part A and a Medigap Plan A, so how would you know this?

2) All Medigap plans that provide benefits in plans C thru J cover Foreign Travel Emergency. They do not charge "a small extra fee" for this, it is part of the policy quote for that plan, whichever it is.

3) "All available riders" is not the way Medigaps is discussed. We talk about which PLAN. Each PLAN covers certain benefits that have deductibles in listed benefits of Medicare PART A and/or PART B... which is the BASIC LIST OF BENEFITS that Medigaps connect with.

You are not properly trained. You are a danger to the public.

 

[retread]

Sorry about the double post.... I think something was going on with the site today.

(... or maybe I just popped a cork in my computer over this nonsense!)

 

[newglarusman]

This is the final straw! You don't know what you don't know. Your arrogance is not helping you to learn.

1) You are attempting to have us judge between two Med Sups and you do not provide us which plan for which carrier is under consideration. Carriers do not always carry all plans, and in order to compare one to the other one has to compare the same plan. You apparently don't know the difference between Medicare Part A and a Medigap Plan A, so how would you know this?

2) All Medigap plans that provide benefits in plans C thru J cover Foreign Travel Emergency. They do not charge "a small extra fee" for this, it is part of the policy quote for that plan, whichever it is.

3) "All available riders" is not the way Medigaps is discussed. We talk about which PLAN. Each PLAN covers certain benefits that have deductibles in listed benefits of Medicare PART A and/or PART B... which is the BASIC LIST OF BENEFITS that Medigaps connect with.

You are not properly trained. You are a danger to the public.

You are apparently unfamiliar with Anthem's Value Plus Plan, which has International Health as a rider, not as part of primary plan. But maybe you're just unfamiliar ;with Anthem. I mean I have the paperwork right in front of me, there it is, Foreign Travel rider.

My client picked her particular Medigap coverage through the government Medicare website I signed her up for; in addition, there was a third party review of her coverage by a party with no financial interest here, and this is what they recommended for her.

At least some of what you said in this post is informative and correct, but not all of it certainly, and some of your statements exceed your grasp. That I am a danger to the public, when I came here looking for focused and objectively correct information from experienced agents as I worked through this, is I think an overreaction on your part. I am an inexperienced agent, (which my client well knew), trying to do his due diligence, but find that some here have attempted to derail those efforts by pretending to know more than they know. That is a danger to the public, and the kind of practice which has insurance salesman lower on the totem pole than used car salesmen, or women. I guess all your clients better hope they don't need optional foreign travel coverage while you're busy assuming it's already included. Better raise your E&O coverage.

Luckily, my client knows more about insurance than either one of us and knew what she wanted. Thank you at least for the parts of your statements which are correct, I recognized them immediately and only wish you had stuck to discussing what you know, rather than pretending to know more than you do just to put the thumb on another agent and be such a drag. Good luck.

 

[captain94]

Medigap plans C,D,E,F,G,H,I,J all have Forein Travel Emergency in the plans regadless of the company I have never seen a medigap plan with riders on it to add coverage. you can sell additional coverage with indemtity plans but thats all.

 

[Russ]

I noticed the Anthem Value Plus Plan, when I google searched it the other day..http://www.anthem.com/visitor/wi/f3/s1/t1/pw_ad091525.pdf

First I had ever heard of it. Being I don't write in Wisconsin, I stayed out of this discussion(until now). Maybe the agents that had posted on this thread were like me and not familiar with an apparent non-standardized plan. I was rather surprised to see it. I thought all med-supps. in all states were standardized.

 

[retread]

I noticed the Anthem Value Plus Plan, when I google searched it the other day..http://www.anthem.com/visitor/wi/f3/s1/t1/pw_ad091525.pdf

First I had ever heard of it. Being I don't write in Wisconsin, I stayed out of this discussion(until now). Maybe the agents that had posted on this thread were like me and not familiar with an apparent non-standardized plan. I was rather surprised to see it. I thought all med-supps. in all states were standardized.

Yeah... the guy suckered us into thinking he was talking about South Florida when he began discussing his issue. He did provide the zip, but never once mentioned the state. If he had provided the name of the state he was writing in, it would have been a big flag. Apparently he is so new that he doesn't know that WI, MN, and MA are the only odd-balls in the Medigap market.

It follows that when someone asks for others to do their research for them, the fact that they don't even provide adequate data confirms an assumption that others should just give everything to him on a silver platter.

Let him find someone from WI to help him (if he can).